The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,622
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,108
−HK$494/mo
Today · 4.125%
HK$16,602
baseline
▲ 0.50% · 4.625%
HK$17,612
+HK$1,010/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,204/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,380
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,846
−HK$473/mo
Today · 4.125%
HK$18,319
baseline
▲ 0.50% · 4.625%
HK$19,284
+HK$965/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,638/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,747
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,330
−HK$592/mo
Today · 4.125%
HK$19,922
baseline
▲ 0.50% · 4.625%
HK$21,134
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,844/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,855
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,415
−HK$567/mo
Today · 4.125%
HK$21,982
baseline
▲ 0.50% · 4.625%
HK$23,141
+HK$1,159/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,964/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,871
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,551
−HK$692/mo
Today · 4.125%
HK$23,243
baseline
▲ 0.50% · 4.625%
HK$24,657
+HK$1,414/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,486/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,331
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$24,984
−HK$662/mo
Today · 4.125%
HK$25,646
baseline
▲ 0.50% · 4.625%
HK$26,998
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,292/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,120
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,995
−HK$888/mo
Today · 4.125%
HK$29,883
baseline
▲ 0.50% · 4.625%
HK$31,702
+HK$1,819/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,766/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,283
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,122
−HK$851/mo
Today · 4.125%
HK$32,973
baseline
▲ 0.50% · 4.625%
HK$34,711
+HK$1,738/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,946/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,533 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).